We can assist with bridging finance and bridging loans whilst you await the expected lump sum payout

Learn about the type of bridging loans we offer for pension and provident funds below

Are you awaiting a lump sum payout from your pension fund or provident fund? This can take months, all the while your expenses don’t stop and the financial pressure mounts. A pension bridging loan essentially bridges the gap between getting your payout so you can cover your expenses while you wait. In fact you can get up to 75% of the amount due to you.

Pension Fund

If you are awaiting pension or provident fund payout following resignation, retrenchment, retirement or dismissal, or as part of a divorce settlement you can get an advance on the lump sum due to you if you need cash fast.

Policies / Investments

If you have a pension policy, provident fund, retirement annuity or investment, endowment policies  with a company such as Sanlam, Old Mutual etc., which is maturing within 4 months, a portion of the funds can be bridged.

Death claims

If you are awaiting payout from your late spouse’s pension / provident fund and you are in need of urgent cash, a portion of the lump sum due to you can be advanced.

Provident Fund

If you are due funds from a Provident fund after resigning, retrenchment, retirement or dismissal, we can assist with a Provident bridging loan.

Retirement Annuities

It is possible to secure a Retirement annuity bridging loan. 

Who can apply for pension bridging loans?


Have you recently resigned from your position? Perhaps you are relying on using the money from your severence package to cover your expenses while you either wait to start a new job or wait to find a new job. A delay in receiving your payout can affect your ability to cover your expenses, which in return can affect your credit. In fact processing your pension or provident payout can take months! Take control of your finances by applying for a pension bridging loan, giving you access to up to 75% of the total amount while you wait to be paid out.


We are in some of the toughest economic times we have ever been in and as a result many South Africans face the reality of retrenchment. Retrenchment is often very sudden and difficult to prepare for, dealing a huge financial blow to those affected. When you have been retrenched, it can take months to receive your pension payout, while you struggle without an income. A pension bridging loan can ease the financial strain by advancing you up to 75% of your pension fund while you wait.


You have worked hard your whole life and should be looking forward to your retirement. Your pension fund or provident fund taking months to pay your lump sum can throw a massive spanner in the works. Don’t wait for the bills to pile up while you sit high and dry waiting for your payout. Apply for a pension bridging loan and enjoy your hard-earned retirement.


Getting divorce can not only take a toll on you emotionally, but it can also be a huge financial blow. Often unforseen expenses such a legal fees or maintainence pop up that need to be paid urgently. In this case, you need cash fast. Often people would use the divorce settlement to cover expenses but this takes months and expenses need to be paid now. A pension bridging loan is the answer to getting cash in hand fast. 


Do you reveive an annual payment from your annuity? It is highly unlikely the timing of this payment will coincide with unexpected expenses cropping up. Applying for an advance on your annuity payout can help alleviate the financial burden.


If you have been unexpectedly dismissed, it can have extremely serious financial implications. Considering the tough economic environment, it is almost impossible to accumulate savings for a rainy day. It can take up to 6 months and sometimes longer to receive a payout from your pension fund, and in the meantime the bills pile up. Alleviate the pressure by getting 75% of what is due to you right now.

Bridging Amount available

10% of the total value due to you, up to a maximum of R32 000, can be advanced without security.


The bridging fees are approximately 0.16% per day plus admin fees.  Please confirm the fees with the lender when they process your application as they are subject to change without notice.


Pension/Provident Fund
  • Completed application forms (the documents will be sent to you on receipt of your enquiry)
  • Your ID
  • 2 month current bank statement
  • Last pay-slip
  • Pension / Provident Fund benefit statement
  • Letter from employer confirming and accepting severance package / medical disability (where applicable)
  • Letter of appointment with new company (where applicable)
  • Divorce settlement (where applicable – i.e. if you are wanting to bridge a pension payout which is part of a divorce settlement)

NOTE: Please ensure that all documents are legible.  If they are unclear or too faint, this causes delays in processing. In many instances bridging can be arranged in 5 working days but if the fund administrators do not process the application in good time, there can be delays in setting up the bridging facility. The lenders are very anxious to get the facility in position for you and will do what is necessary to make this happen. You can assist by urging the fund administrators to expedite the application, in order that the benefit can be paid as soon as possible after the date of bridging withdrawal, so as to reduce the total discounting fee payable to the bridging company.

Policies / Investments / Retirement Annuities
  • Completed application forms (the documents will be sent to you on receipt of your enquiry)
  • Your ID
  • 2 month current bank statement
  • Proof of policy/investment from the Insurance company
  • Proof of maturity date of policy/investment
Death Claims
  • Completed application forms (the documents will be sent to you on receipt of your enquiry)
  • Your ID
  • 2 month current bank statement
  • Beneficiary statement stating amount and distribution of monies
  • Death certificate
  • Divorce settlement where applicable
  • Benefit statement from the fund of the deceased
  • Latest pay slip of deceased if possible

Apply for a pension bridging loan


Cost Schedule

  • Minimum Term – 65 days
  • Maximum Term – 90 days
  • Minimum APR – 28 %
  • Maximum APR – 28 %


  • Loan advance                               R10,000
  • APR                                                 28%
  • Initiation fee                                 R1197
  • 90 day service fee                        R205.20
  • 90 day interest                             R783.79
  • Total repayment at 90 days        R12,185.99